Call reports 2016
BANK OF RIO VISTA — 2016
What BANK OF RIO VISTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 205,687,000 | 208,898,000 | 219,216,000 | 215,433,000 |
| Total loans | 65,241,000 | 69,592,000 | 73,330,000 | 76,594,000 |
| Allowance for loan losses | 1,189,000 | 1,610,000 | 1,449,000 | 1,449,000 |
| Securities available for sale | 118,943,000 | 118,532,000 | 116,349,000 | 121,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,810,000 | 180,203,000 | 190,073,000 | 188,151,000 |
| Interest-bearing deposits | 131,736,000 | 133,172,000 | 138,651,000 | 135,137,000 |
| Noninterest-bearing deposits | 46,074,000 | 47,031,000 | 51,422,000 | 53,014,000 |
| Equity capital | 26,851,000 | 27,494,000 | 27,903,000 | 25,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,848,000 | 3,378,000 | 4,944,000 | 6,524,000 |
| Interest expense | 74,000 | 149,000 | 227,000 | 301,000 |
| Net interest income | 1,774,000 | 3,229,000 | 4,717,000 | 6,223,000 |
| Noninterest income | 217,000 | 420,000 | 616,000 | 950,000 |
| Noninterest expense | 1,425,000 | 3,037,000 | 4,376,000 | 5,799,000 |
| Provision for loan losses | -18,000 | -387,000 | -556,000 | -566,000 |
| Pretax income | 584,000 | 999,000 | 1,513,000 | 1,968,000 |
| Income tax | 179,000 | 288,000 | 440,000 | 566,000 |
| Net income | 405,000 | 711,000 | 1,073,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,326,000 | 24,631,000 | 24,854,000 | 25,183,000 |
| Total capital | 25,563,000 | 26,041,000 | 26,307,000 | 26,680,000 |
| Risk-weighted assets | 106,961,000 | 111,533,000 | 115,227,000 | 119,658,000 |